Cars most insurers aren’t set up for.
Cars worth from about $100,000, and classics of any value. Mainstream insurers usually stop at about $150,000. Above that, you need a prestige specialist.
Think a Porsche 911 GT3, a mid-engine supercar, a restored Alfa Spider, or a fully optioned Range Rover, with the everyday car on the same application. Modified or rare cars are covered for their modifications, as long as you tell us about them.
Your car, for what it’s worth.
- Agreed value: if the car is written off, you get the amount on your policy, not a market value worked out on the day. How agreed value works.
- Your choice of repairer: a marque specialist or your restorer, where the policy allows.
- On the move: covered on a transporter, at the detailer or at a show, if you tell us.
- Modifications and restorations: included in the value, once declared.
- Limited and club use: accepted and priced to match.
- Your everyday car: on the same application, with a mainstream insurer if that suits it better.
Three kinds of car, three different needs.
Supercars are about repairs: carbon fibre, aluminium, and a workshop trained on the brand.
Exotic and imported cars are about parts and value: what it takes to source a panel, and a figure that reflects that.
Classics are about history: an agreed value based on condition and provenance, backed by a valuation, with limited use priced to match. Classic car insurance.
Who can cover your car.
Enter the rego and we’ll find the make, model and variant. Then tell us its value, where it’s kept, who drives it and any modifications.
We send it to every insurer on our panel that can take it: Clover and Blue Zebra up to about $150,000, and Prevail Elite Motor from $100,000 and for any classic. You’ll see a price wherever one is available. How it works.
One broker for the house and the cars.
Put both on the same application, with one person to call. More on luxury home insurance.
Luxury car insurance FAQs
Which cars count as prestige or luxury for insurance?
Generally cars worth more than about $100,000, and classics of any value. Mainstream insurers usually cover cars up to about $150,000. Above that, a prestige specialist is needed. On our panel that’s Prevail Elite Motor, which prices most cars online and refers the rest to its underwriters.
How much does luxury car insurance cost in Australia?
It depends on the car, its value, where it’s kept, who drives it and how often, so there’s no typical figure. Prestige policies are priced on how the car is actually used, so a garaged car that’s rarely driven can cost less to insure than you’d expect. A daily-driven supercar will cost more. Our quote shows the price before you give anyone your phone number.
Which companies insure luxury and prestige cars in Australia?
On our panel, Clover and Blue Zebra cover cars up to about $150,000. Prevail Elite Motor, a prestige specialist, covers cars from $100,000 and classics of any value. We place your car with whichever one can take it.
What is the best luxury car insurance?
The one that suits your car and how you use it. A modern supercar needs a specialist repairer. A classic needs a proper valuation. A car that travels to shows needs transit cover, and one that’s rarely driven suits limited-use terms. We show you the policies side by side.
Are supercars, exotics and classic cars insured differently?
Yes. For a supercar, repair cost and a qualified repairer matter most. For an imported exotic, it’s parts and valuation. For a classic, it’s an agreed value that reflects its condition and history, plus limited or club use. Prestige insurers handle all three well.
Can I choose my own repairer?
Prestige policies usually let you choose, which matters for a specialist or a restoration. The product disclosure statement, linked on each quote, confirms whether a policy does.
Is the advice on this page personal advice?
No. Everything on this site is general information only and doesn’t take your objectives, financial situation or needs into account. Read the product disclosure statement before deciding.
Luxury Cover arranges insurance as a broker. The policies are issued by the insurers, and what they cover depends on the policy you choose. Each quote links to its product disclosure statement. General information only.